Flood Help Guide

St. Charles County flood history

Missouri · From FEMA's flood insurance and disaster data · Updated 2026-10-08

9,999NFIP flood claims since 1978
$155.9 millionPaid on those claims
$42,780Average paid claimlast 10 years
0.8%Homes with NFIP flood insurance
11Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 9,999 flood insurance claims in St. Charles County, Missouri since 1978. The NFIP paid $155.9 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 1993, with 2,393, mostly from Midwest Flooding.

In the last ten years (2017–2026) there were 795 claims, and the average paid claim was $42,780.

5% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 0.8% of homes in St. Charles County, Missouri had an NFIP flood policy in FEMA's latest count (1,076 of 139,208 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 35% (763 of 2,198).

Since 2000, FEMA has made 11 flood-related disaster declarations covering St. Charles County, Missouri. The most recent was DR-4665-MO (Severe Storms and Flooding), declared August 8, 2022.

NFIP claims by year

NFIP flood claims per year in St. Charles County, Missouri06251.2k1.9k2.5k1978: 61 claims, $62,798 paid1979: 741 claims, $5.1 million paid1980: 2 claims, $689 paid19801981: 96 claims, $109,150 paid1982: 806 claims, $3.5 million paid1983: 890 claims, $4.2 million paid1984: 118 claims, $229,310 paid1985: 368 claims, $1.3 million paid1986: 1,083 claims, $8.6 million paid1987: 9 claims, $11,501 paid1988: 4 claims, $4,092 paid1989: 7 claims, $30,454 paid1990: 250 claims, $1.1 million paid19901991: 37 claims, $70,540 paid1992: 17 claims, $25,016 paid1993: 2,393 claims, $60.5 million paid1994: 43 claims, $288,982 paid1995: 484 claims, $5.0 million paid1996: 152 claims, $767,007 paid1997: 42 claims, $234,055 paid1998: 96 claims, $628,806 paid1999: 31 claims, $263,495 paid2000: 25 claims, $281,612 paid20002001: 100 claims, $1.2 million paid2002: 122 claims, $1.1 million paid2003: 7 claims, $58,258 paid2004: 15 claims, $68,318 paid2005: 2 claims, $27,883 paid2006: 2 claims, $0 paid2007: 2 claims, $11,785 paid2008: 442 claims, $15.1 million paid2009: 37 claims, $399,482 paid2010: 70 claims, $843,847 paid20102011: 86 claims, $3.1 million paid2012: 1 claims, $0 paid2013: 224 claims, $4.9 million paid2014: 42 claims, $832,202 paid2015: 269 claims, $5.2 million paid2016: 28 claims, $477,333 paid2017: 60 claims, $1.1 million paid2018: 28 claims, $597,087 paid2019: 474 claims, $22.1 million paid2020: 58 claims, $840,313 paid20202021: 13 claims, $196,728 paid2022: 139 claims, $4.8 million paid2023: 2 claims, $20,729 paid2024: 13 claims, $329,385 paid2025: 2 claims, $69,872 paid2026: 6 claims, $219,561 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
20266$219,561
20252$69,872
202413$329,385
20232$20,729
2022139$4.8 million
202113$196,728
202058$840,313
2019474$22.1 million
201828$597,087
201760$1.1 million
201628$477,333
2015269$5.2 million
201442$832,202
2013224$4.9 million
20121$0
201186$3.1 million
201070$843,847
200937$399,482
2008442$15.1 million
20072$11,785
20062$0
20052$27,883
200415$68,318
20037$58,258
2002122$1.1 million
2001100$1.2 million
200025$281,612
199931$263,495
199896$628,806
199742$234,055
1996152$767,007
1995484$5.0 million
199443$288,982
19932,393$60.5 million
199217$25,016
199137$70,540
1990250$1.1 million
19897$30,454
19884$4,092
19879$11,501
19861,083$8.6 million
1985368$1.3 million
1984118$229,310
1983890$4.2 million
1982806$3.5 million
198196$109,150
19802$689
1979741$5.1 million
197861$62,798

Named flood events

EventYearClaimsPaid
Midwest Flooding19931,639$51.2 million
Flooding1986990$8.4 million
Flooding1995451$4.7 million
Late July Flooding2022130$4.6 million
Early winter storms2015179$3.9 million
Not a named storm1982613$3.3 million
Late spring storms201153$1.9 million
Hurricane Ike200840$1.5 million

How many homes have flood insurance

FEMA counts 1,076 residential NFIP policies in St. Charles County, against 139,208 residential buildings (0.8%). Of the 2,198 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 763 have an NFIP policy (35%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-4665-MO Aug 8, 2022 Severe Storms and Flooding Yes
DR-4451-MO Jul 9, 2019 Severe Storms, Tornadoes, and Flooding Yes
DR-4250-MO Jan 21, 2016 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding Yes
EM-3374-MO Jan 2, 2016 Severe Storms, Tornadoes, Straight-Line Winds, and Flooding No
DR-4130-MO Jul 18, 2013 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding No
EM-3325-MO Jun 30, 2011 Flooding No
DR-1809-MO Nov 13, 2008 Severe Storms, Flooding, and A Tornado Yes
DR-1773-MO Jun 25, 2008 Severe Storms and Flooding Yes
DR-1749-MO Mar 19, 2008 Severe Storms and Flooding Yes
DR-1676-MO Jan 15, 2007 Severe Winter Storms and Flooding No
DR-1328-MO May 12, 2000 Severe Thunderstorms and Flash Flooding Yes

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Missouri.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.